Tired of the 3-6 month rule? Learn how to build an emergency fund that works for your life. Start with your first $400 quick-win, triage high-interest debt, and use our 16 real-life scenarios to set a custom savings goal.

Learn how to boost your earnings, access community resources, and build financial confidence, all on a minimum wage.

Budgeting on a $25000 Income: Suggested Percentages and Dollar Amounts

Struggling with addiction or a financial relapse? Discover practical, compassionate steps to regain emotional balance and rebuild your life.

Lower your bills today! This guide reveals 15 areas to call for discounts on utilities, phone, internet, insurance, credit cards, and more. Plus, expert negotiation psychology!

Starting your career after college? Learn how to find entry-level jobs, build financial stability, budget effectively, and secure affordable housing.

Whether it's a salary increase, a year-end bonus, an inheritance, or an unexpected windfall, having a solid plan in place will help you make the most of it and secure long-term financial success.

Clutter costs more than space. Learn how disorganization impacts money, decision-making, and stress, and why decluttering is a financial investment.

Feeling overwhelmed by debt? Discover practical strategies to pay off credit cards and loans, build momentum, and regain control of your finances. Learn 10 steps combining budgeting, automation, mindset, and nonprofit support to make debt repayment manageable and sustainable.

Discover 20 powerful questions to ask your credit card company. Lower your APR, waive fees, boost your credit score, and cut your debt payments.

The Pros and Cons of Credit Cards, And How to Make a Prudent Choice on Whether to Get Credit Cards or Not. 

Recover from Holiday Spending and Prepare for Next Year

This article is part of the Personal Debt Series , where we offer practical strategies to pay off debt, achieve financial freedom, and...

A directory of government and nonprofit support programs and services for food, housing (also homelessness), education, health, debt and legal services.

There are several infinitely better options than payday loans. In fact, absolutely anything is better than high-interest loans.

Payday loans are not your last hope. They are in fact your first step towards hopelessness.